I have a few maths questions I don't get. Can you help?

Why is 0.65 * 3 different to 0.65*0.65*0.65?
Q12) Alan buys 4 tickets in a raffle in which 100 tickets are sold altogether. There are two prizes in the raffle. Find the probability that Alan will win
(c) 1 prize
For this question, I used replacement since that's have raffle usually work, where they take out the winning raffle. So my equation was (4/100*97/99) +(96/100*4/99) =193/2475 but the answer is 64/825.
(d) no prizes
I used replacement as usual and I got the equation 96/100*96/99 but the answer's 152/165
(e) at least 1 prize.
Since, I couldn't do d), I can't exactly do e)
13) Mary buys 20 tickets in a lottery that has 5000 tickets altogether. Find the probability that Mary will win
(c) neither first nor second prize.
With replacement since it's a lottery, I did (4980/5000 * 4980/4999) but the answer's 1239771/1249750.
Thank you!